Most 1099 forms (such as 1099-INT, 1099-MISC, 1099-B, and 1099-S) must be sent to recipients by January 31. A few exceptions apply: for example, 1099-MISC (boxes 8 and 14 only) is due by February 15.
Employers and businesses can deliver Copy B of the 1099 form by mail, email, fax, or even in person. But what happens if you haven’t received your form?
Step 1: Contact the Business or Employer Directly
The simplest solution is to reach out to the employer or business that should have issued the form. Many times, a quick call will get you the information you need.
For example, banks must issue Form 1099-INT if you earned more than $10 in annual interest. In practice, delays happen. Calling the institution directly often provides faster results than waiting for the mail.
Step 2: Contact the IRS
If you cannot obtain the form from your employer, you can call the IRS at 800-829-1040. Be ready to provide:
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Your name, address, SSN, and phone number.
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The name and contact details of the employer or payer.
The IRS can follow up with the business on your behalf and help you move forward with your tax filing.
Step 3: Understand the Penalties for Employers
If an employer fails to provide a 1099 on time, it falls under “Failure to Furnish Correct Payee Statements” (Section 6722). Penalties may apply if:
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The form is not issued by the deadline.
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Required information is missing.
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The form contains errors.
The penalties increase the longer the form is late.
How 1099FIRE Can Help
At 1099FIRE, we provide software and services to help businesses stay compliant with IRS 1099 reporting rules. We can:
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Prepare and file all types of 1099 forms electronically.
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Reduce errors that lead to penalties and rejections.
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Provide guidance for businesses on deadlines and compliance requirements.
If you need help managing 1099 reporting, contact us at support@1099fire.com or call (480) 706-6474.